Business insurance · France
Orus
Online décennale through broker Orus: quote in minutes, attestation in 24 hours
Market position
Orus is an insurance broker based in Saint-Mandé that sells décennale, RC pro, multirisk, health and prévoyance cover online to small businesses. Its décennale covers more than 100 building trades, bundles the ten-year liability with professional liability and a proper-functioning guarantee, and allows up to 5 activities per contract. Orus lists Hiscox, AIG and Munich Re as the companies guaranteeing its contracts and says it has more than 60,000 policyholders.
France-specific note
Orus quotes décennale online in minutes and says attestations are issued within 24 hours, which helps if a site start is waiting on your certificate. It is a broker, so ask which insurer carries your policy, and check that all your activities (up to 5 per contract) appear on the attestation.
Pros
- + Online quote in about 3 minutes and attestation in 24 hours, per Orus
- + Décennale bundles RC pro and a proper-functioning guarantee
- + More than 100 building trades covered, up to 5 activities per contract
- + Published starting price, with up to 20% off for firms under 6 months old
Cons
- − Broker, not the insurer: cover is carried by partner insurers
- − Starting price's profile and tax basis not stated
- − Needs a year of recent experience or a relevant diploma
- − Limit of 5 activities per contract
Typical France pricing
Published: décennale from €69 per month (profile and HT/TTC basis not stated); up to 20% off for companies under 6 months old. Final price by online quote, depending on trade, turnover, experience, claims history and excess (€500 or €1,000).
Why this matters for France trades
Since 1 September 2026 every French business must be able to receive B2B e-invoices through a plateforme agréée registered by the State (CGI art. 289 bis), and PME, TPE and micro-entreprises must issue them by 1 September 2027; DGFiP says no sanctions apply in 2026 while businesses adapt. Assurance décennale (Loi Spinetta) must be in place before work starts, and building without it is punishable by 6 months’ imprisonment and/or a 75,000 euro fine, per service-public.fr. TVA on building work on homes is 20% standard, 10% for improvement, transformation, fitting-out and maintenance, and 5.5% for energy renovation, with the reduced rates only for dwellings completed more than two years ago. Clients can only claim MaPrimeRénov’, the éco-PTZ or CEE bonuses if the work is done by an RGE professional. Businesses register through the Guichet des formalités des entreprises, with the CMA advising artisans, and regulated building trades must be carried out or controlled by a qualified person (CAP, BEP or BP, an equivalent RNCP title, or three years’ experience).
French artisan (bâtiment) vendor selection is shaped by facturation électronique (every business must be able to receive e-invoices through a plateforme agréée since 1 September 2026, and PME, TPE and micro-entreprises must issue them by 1 September 2027), compulsory assurance décennale taken out before work starts, multi-rate TVA (20%, 10% and 5.5%), the RGE label that homeowner clients need to claim energy-renovation aid, and the micro-entrepreneur regime with its turnover ceilings and VAT franchise.
Frequently asked
Is Orus a good fit for France trades?
Orus is an insurance broker based in Saint-Mandé that sells décennale, RC pro, multirisk, health and prévoyance cover online to small businesses. Its décennale covers more than 100 building trades, bundles the ten-year liability with professional liability and a proper-functioning guarantee, and allows up to 5 activities per contract. Orus lists Hiscox, AIG and Munich Re as the companies guaranteeing its contracts and says it has more than 60,000 policyholders. Orus quotes décennale online in minutes and says attestations are issued within 24 hours, which helps if a site start is waiting on your certificate. It is a broker, so ask which insurer carries your policy, and check that all your activities (up to 5 per contract) appear on the attestation.
What does Orus cost in France?
Published: décennale from €69 per month (profile and HT/TTC basis not stated); up to 20% off for companies under 6 months old. Final price by online quote, depending on trade, turnover, experience, claims history and excess (€500 or €1,000). Pricing and availability can change by region; confirm current France pricing on the vendor's site before committing.